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Changes in terms mid-deal or after closing

US Bank canceled my loan with them without my notice. I want US Bank to reinstate my loan with them. US Bank breached my car loan with them causing me to possibly having my car repossessed. Once agin, I would like US Bank to reinstate my loan with them. There was no reason for them to cancel my loan with them.

Account status incorrect

I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to Ally Financial. When I turned the vehicle in, the balance was and had always been paid in full, except when Ally refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to Ally but they are still reporting a negative account on my 3 Credit Bureau Accounts.

Not given enough info to verify debt

I have a collection on my credit from Dyck Oneal. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. Dyck Oneal is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit

Frequent or repeated calls

I recently started using a new voicemail service and since then, have been receiving calls from Discover Bank on average ever 2-4 hours.

Contacted employer after asked not to

I agreed to work with FMS Investment Corp. ( FMS ) XXXX XXXX XXXX XXXX XXXX, IL XXXX to rehabilitate my school loans. However, there have been calls made to my place of employment as an " emergency '' and the notes are being delivered to my classroom during my instructional school day.Also, not only do I receive excessive calls throughout the school day, they also call my husband 's phone excessively. The calls are daily and begin at XXXX on XXXX phones and do not stop until XXXX

Information belongs to someone else

I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Credit inquiries on your report that you don't recognize

I have sent multiple letters to Equifax. I received a copy of my Equifax credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX

Problem during payment process

I ha ve a Sears MasterCard an d have been trying to make a payment and the site has been working at all. I have tried other browsers, clearing my cache, refreshing my page, using a different computer, and nothing works. It stays on one p age and you 're not able to make a payment. My account is now past due. I have called the number on my card and they said the site is currently down and no one is able to process there payment online and the bill pay department is not able to receive my call because there is such a high volume of calls! They should of sent nification if their site is not working! How else woud anyone with e-statements know to pay?! The person on the phone was not able to take my payment, as the payment is now past due and when transferring to the bill part department, no one picks up. This is extremely frustrating and unnerving for a credit card company to not have any ability to pay either online or over the phone! Below is the website I have been trying to pay my bill on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Old information reappears or never goes away

I successfully disputed an address off of my credit report with Equifax about a month or two ago. I got a letter in the mail saying that the address was deleted but for some reason Equifax, acting as a consumer reporting agency, has given me the impression that 15 USC 1681 does not apply to them in any way, shape, or form. They have amazingly decided to break federal, especially the Fair Credit Reporting Act, and state laws because they think as a consumer, I am not smart enough to know they are functioning under their own set of rules when it comes to my credit file and my credit report, which I also detailed in another CFPB complaint, with the complaint number XXXX ; where in complaint number XXXX, they willingly and negligently decided to update and change inaccurate and incomplete information in my credit file and on my credit report whenever and however they pleased instead of deleting and removing information after having knowledge the information was inaccurate and incomplete. Equifax deleted an address off my credit report and took it upon themselves to reinsert that address back on as they have been doing for awhile now. I am sure they have done this many times to other consumers because they do not care about 15 USC 1681 or any other federal or state laws. Just as I have done with complaint XXXX, I am providing evidence such as the time and date stamped letter stating the deletion, a credit report before my dispute, a credit report showing the address information deleted, and a credit report after the information was willingly and negligently reinserted back on my credit report and in my credit file. I am lucky that I know exactly how they are violating the law and I have pulled my credit report almost every week over the past year in order to catch their violations. I will be forced to seek legal action in federal and/or state court for these negligent and willful violations of the law, if this address information and the information from complaint XXXX is not deleted and removed from my credit report and credit file as soon as possible and another new credit report reflecting those changes is not sent to me very soon.

Reinserted previously deleted info

Inquiries on my Equifax credit report were removed and re-added without any type of notification. I do not understand why this happened because this is a FCRA violation. I tried calling in, but did not get anywhere because the call volume was too high and I had to go back to work. I would really appreciate someone reaching out to me or just resolving this matter behind the scenes by removing these inquiries off of my credit report. I would really appreciate it. Thanks.

Problem with statement of dispute

In XXXX XXXX, I was contacted by a collection agency working on behalf of XXXX XXXX. I informed this agency that I have not received my final statement from XXXX, which I requested several times. The collection agency stated that they would cease from any other collection activity and would return the account to collections. I contacted XXXX who also stated that they would forward me the bill and would cease all collections activities as well. I was informed by XXXX that it would take approximately 10 to 15 business days. On XXXX XXXX, XXXX I received a notice from my credit monitoring that XXXX XXXX placed a new collections account on my credit report. When I contacted the XXXX XXXX XXXX Department my call was routed directly to an outside collection agency named XXXX ( XXXX XXXX ). I was informed by them that they are a third party collection company for XXXX XXXX hired to collect on accounts. I explained to them that I have not received my final statement and I have attempted to contact XXXX XXXX about this issues several times. They instructed me to send a dispute letter which they will forward to XXXX XXXX. I shortly followed up with a complaint to the Consumer Financial Protection Bureau, which XXXX responded by sending a letter which stated that they have also requested a final statement from XXXX XXXX also. On XXXX XXXX, XXXX I spoke with XXXX XXXX XXXX who instructed me to cease all contact with their office and to contact the assigned collection agency regarding this account. I was informed that my account had been written-off, but when I informed that XXXX XXXX Customer Service agent that my account was being reported as closed, charged-off/collections, she stated that all of them mean the same. I was then transferred to XXXX.I spoke with a Collections Manager and he informed me that a request has been made for XXXX to provide an itemized final bill and statement. He informed me that it is a policy developed by XXXX to instruct consumers to not contact XXXX. I was also informed that any request for documents pertaining to my XXXX XXXX would be sent directly to XXXX and it would take approximately 4 to 6 weeks before they would receive them. After they receive them it would take an additional couple of weeks for the XXXX to provide me the documents. I spoke with XXXX again on XXXX XXXX, XXXX and they informed me that they have removed my account from further collections and they have forwarded a request to XXXX XXXX regarding the validity of my account. On XXXX XXXX, XXXX I received a fax from the collection agency XXXX XXXX acknowledging that they received my dispute. The fax was also followed by a physical letter delivered to my address via United States Postal Mail On XXXX XXXX, XXXX a letter was sent to XXXX XXXX requesting that they provide me with an accurate account statement. The letter was sent with a send/receive notification to ensure delivery. The letter was received by XXXX XXXX on XXXX XXXX, XXXX. During a recent phone call to customer service XXXX XXXX acknowledge that they received the letter. On XXXX XXXX, XXXX, at approximately XXXX and with the assistance of an Experian Customer Service Representative attempts were made to resolve this dispute over the phone. XXXX XXXX transferred me to the recovery division which then transferred me to an outside collection agency named XXXX XXXX. The customer service representative informed me that she saw a note which stated to cease an assist all contact efforts on the account. When she was asked about the status of my dispute, I was informed that a dispute was never filed and a fax for a dispute was never received. I then informed her of the letter acknowledging the dispute.

Credit inquiries on your report that you don't recognize

I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021

Need information about my balance/terms

Refinanced my loans through XXXX. XXXX sent checks out to all parties including discover. Discover received the check and cashed it but no credit was made to my account. An image of the check was sent to discover and still no answer as to where the XXXX went.

Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Transaction was not authorized

Dear Sir/Madam, Attached, please find the letter I sent to Citibank on XX/XX/2021, requesting for them to reimburse me for the loss of XXXX XXXX ( {$2500.00} ) in funds that were withdrawn from my savings/checking account without my authorization. Today as I write this letter, it is over two months ( 2 months ) since the funds were removed from my account and over one month ( 1-month ) since I requested to obtain all copies of the information used in their investigation. I am entitled to receive this information by law. Attached, please find a screenshot of half a page of a XXXX Investigation Commentary, which I will abbreviate as ( XXXX ). I also contacted XXXX and informed them of the fraudulent activity on my account. In reviewing this XXXX, it appears to me that : Citibank did not conduct a thorough investigation based on the half-page XXXX document that was provided. Indeed a thorough investigation would include things like other disputed transactions involving Citibank customers, XXXX, and the name of the " receiving bank. '' I am asking that Citibank look into that connection. Despite apparent authorization ( as they contend ), the transactions are unusual and out of character for my account, which has been at Citibank for thirty-nine ( 39 ) years. Therefore these transactions should have been flagged by Citibank as suspicious. Citibank does not identify the receiving bank. Why? This lack of disclosure indicates to me some bad faith effort on their part. If Citibank has records of multiple disputed transactions with other customers involving the receiving bank, they should have known there was a pattern of fraudulent transactions with that bank. Citibank has a fiduciary duty to protect its customers from fraudulent transactions. If they have pre-existing knowledge of problems with transfers to this existing bank, this will make them liable for failing to take steps to protect me and prevent this fraud. When I filed my claim with Citibank on XX/XX/2021, I also submitted a police report. Citibank states that they stand ready to provide full cooperation to law enforcement officials in any pending investigation. If this statement is sincere, they should be willing to give a list of all disputed transactions involving the receiving bank. I want to reiterate that Citibank states they are sensitive to my situation. If they are sensitive to my victimization, they should treat me as a valued customer and share all information gathered in their investigation. Failure to provide all information indicates that Citibank simply and arbitrarily is denying my claim for a refund. Meanwhile, their unwillingness to do so continues to inflict on me significant financial hardship and tremendous stress.

Their investigation did not fix an error on your report

I am working with XXXX and XXXX to resolve an issue with Firstmark Services, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. I have been paying Firstmark Services XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my XXXX XXXX has not improved despite my timely payments. After going back-and-forth with Firstmark Services personally and filing disputes against them through XXXX and XXXX throughout XXXX, one of Firstmarks customer service agents finally disclosed the problem to me. Firstmark Services has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. Firstmark Services claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. Firstmark Services applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because Firstmark Services added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. I believe Firstmark Services wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with Firstmark Services. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.

Information belongs to someone else

IN REGARDS TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY ARE CONTINUING TO REPORT TWO FRAUDULENT ACCOUNTS I KNOW NOTHIG ABOUTON MY CREDIT REPORT AND HAVE NEVER HEARD OF THESE COMPANY BEFORE AND HAVE NEVER RECEIVED ANY CORRESPONDENCE THEM. HOW AND WHAT THE DEBT IS FOR AND WHAT PROOF THEY HAVE THAT IM CORRECT PERSON THEIR LOOKING FOR? THESE ACCOUNTS WHERE OPENED I ASSURE YOU DUE TO ME BEING A VICTIM OF IDENITY THEFT AND EQUIFAX HAS YET TO NOT DONE A PROPER INVESTIGATION TO EVEN SEE THAT THESE ARE NOT EVEN MY ACCOUNTS AND DONT BELONG TO ME. I HAVE NEVER HEARD OR HAD A XXXX XXXX XXXX ACCOUNT.

You told them to stop contacting you, but they keep trying

EOS CCA sent me a letter stating that I owe {$640.00} for a XXXX bill the first week of XXXX. On XX/XX/2018, EOS CCA received my letter asking them not to contact me again. The letter was sent USPS certified mail. They called me 17 times in 2 minutes on XX/XX/2018 times in 2 minutes on XX/XX/XXXX, and again 18 times within 2 minutes on XX/XX/XXXX. They have also tried to contact me with single phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Investigation took more than 30 days

The company 's response to CFPB case # XXXX is misleading and inaccurate as the dispute filed with Equifax ( XXXX # XXXX ) on XX/XX/XXXX was concluded on XX/XX/XXXX and despite all of the payments being reported as " ON TIME, '' they are STILL reporting the account was XXXX days past due, which is inaccurate given all of the other information. This inaccurate information is NOT still under dispute as the company 's reply indicates in their response to the CFPB case mentioned above. Attached is proof of that dispute from Equifax. The information was updated to include the DATE CLOSED as XX/XX/XXXX, but the DATE OF 1ST DELINQUENCY shows as XX/XX/XXXX. It is not possible to have an account become delinquent AFTER it is closed. They are also reporting that the XX/XX/XXXX ACTUAL PAYMENT AMOUNT was {$640.00} while also reporting that the DATE OF LAST PAYMENT was XX/XX/XXXX for {$41000.00}. Everything about this account is contradictory as it is being reported. It is clear that the information is incorrect, and it is adversely affecting not only my actual credit score, but my ability to close on the refinance of my home.

Information belongs to someone else

Equifax entered two collections on my credit file on XX/XX/21 ( which caused my homeowners insurance company to raise my homeowners rate by {$400.00} due to credit rating issues XXXX. I discovered the entries on XX/XX/21 and immediately called Equifax to dispute the entries. The collections were for medical procedures in the Northeast U.S. I live in Mississippi and haven't visited a doctor other than my family doctor in 10 years. Equifax should have identified that the filings were some type identity theft or error initially. They could not have had any contact information for me or they would have called or send bills. Equifax assigned a dispute number of XXXX. I followed the called in dispute with a certified letter. Equifax entered two disputes -- the original and another identified as XXXX. I called Equifax to determine what the second dispute was and they explained that it was a duplicate -- exactly the same as the first dispute. On XX/XX/21, dispute XXXX was completed and Equifax posted that " the item had been deleted from the credit file and actions taken to insure that it did not reappear ''. The collections were still in my file and dispute XXXX was still listed. When I called about this I was told again the the two disputes were identical and the second should have been closed also along with removal of the collection entries. I was told it would be done within a couple of days. That was over a week ago and they still remain. Meanwhile Equifax has sent a credit score of XXXX to XXXX where I have a mastercard account with a 5 % apr because of excellent credit XXXX my previous rating from Equifax to XXXX was XXXX XXXX. I spent over 50 years building an excellent credit rating which saves me money in many areas and Equifax is ruining it all in a few weeks with their failure to identify a clear case of identity theft or error!! This should not be allowed to happen!! In addition, this is the 32nd day since I reported this which is two more than allowed by section 609 of the Fair Credit Reporting Act.

Debt was result of identity theft

i had an identity theft and i keep getting all kinds of collection agencies trying to collect for items like this sprint cell phone account, i have no idea where this came from, i asked them several times to send me any information according to this account with the contract and signature dates and information. they never sent it, and i keep getting calls, after asking them several times to please contact me through the mail. they have been calling my job as well with constant harrassments.

Funds not handled or disbursed as instructed

Here 's your XX/XX/2020 statement Statement Period XX/XX/2020 - XX/XX/2020 Xoom Account ID XXXX Account Activity TransactionXXXX Transaction date : XX/XX/2020 Transaction type : Cash pickup Recipient : XXXX XXXX Paid with : Checking Amount : XXXX USD Transaction fee : XXXX USD Total : XXXX USD Xoom sends account statements to help you stay on top of your activity, even if you haven't transacted in the past month. Xoom is required by law to send account statements. If you have any questions or concerns about your account, read our Help Center article about Xoom account statements. Check the statement for each payment source you used to see when it was debited or credited. If we charged you for a transaction thats later cancelled, well initiate a refund on or around the cancellation date. Our error resolution procedures may vary depending on whether you send funds within the United States or internationally and whether you are claiming unauthorized use of your Xoom account. Error resolution procedures may vary also depending on the funding source used for your transaction. The error resolution procedures described in this statement apply to transactions drawn on an asset account ( e.g., a bank deposit account or debit card ). For any transaction funded with a credit card, please see your User Agreement or contact us as provided below for more information regarding your rights in case of errors or questions about the transaction. Error resolution notice for transactions drawn on an asset account ( e.g., a bank deposit or debit card ) : In case of errors or questions about your electronic transfers : Telephone us at ( XXXX ) XXXX ( toll free ) or XXXX ( XXXX ) XXXX ; Write to us at Xoom Customer Service, XXXX XXXX XXXX, XXXX XXXX, CA XXXX or Write to us through the Contact Us page. Contact us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction on the statement or receipt. We must hear from you no later than 180 days from the date we promised to you that funds would be made available to the recipient, as provided in your receipt. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information ; Tell us the dollar amount of the suspected error ; and Tell us either : Your name, email address associated with your account or phone number ; or Each of the following : The transaction number ( we provide a transaction number on receipts, in statements and in your transaction history within your account ) ; and The recipient 's name, and if known, the telephone number or address of the recipient. For transaction you sent within the United States, or any transactions sent within or outside the United States that you think involve the unauthorized use of your Xoom account, we will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. For any transaction you sent outside the United States, other than unauthorized transactions as provided above, please see your User Agreement for more information regarding your rights in case of errors or questions about the transaction. Please do not reply to this email. We are unable to respond to inquiries sent to this address. For immediate answers to your questions, visit our Help Center. Xoom is a service of XXXX XXXX XXXX, a licensed provider of money transfer services. All money transmission is provided by XXXX XXXX XXXX pursuant to XXXX XXXX XXXX 's licenses. XXXX XXXX XXXX XXXX All rights reserved. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is a statement was transacted but never received funds. -- -- -- -- -- Forwarded message -- -- -- -- - From : Xoom XXXX Date : Thu, XX/XX/2020, XXXX PM Subject : Your monthly statement To : XXXX Xoom, A XXXX Service Here 's your XX/XX/2020 statement Statement Period XX/XX/2020 - XX/XX/2020 Xoom Account ID XXXX Account Activity XXXX Transaction date : XX/XX/2020 Transaction type : Cash pickup Recipient : XXXX XXXX Paid with : Checking Amount : XXXX USD Transaction fee : XXXX USD Total : XXXX USD Xoom sends account statements to help you stay on top of your activity, even if you haven't transacted in the past month. Xoom is required by law to send account statements. If you have any questions or concerns about your account, read our Help Center article about Xoom account statements. Check the statement for each payment source you used to see when it was debited or credited. If we charged you for a transaction thats later cancelled, well initiate a refund on or around the cancellation date. Xoom A XXXX Service Our error resolution procedures may vary depending on whether you send funds within the United States or internationally and whether you are claiming unauthorized use of your Xoom account. Error resolution procedures may vary also depending on the funding source used for your transaction. The error resolution procedures described in this statement apply to transactions drawn on an asset account ( e.g., a bank deposit account or debit card ). For any transaction funded with a credit card, please see your User Agreement or contact us as provided below for more information regarding your rights in case of errors or questions about the transaction. Error resolution notice for transactions drawn on an asset account ( e.g., a bank deposit or debit card ) : In case of errors or questions about your electronic transfers : Telephone us at ( XXXX ) XXXX ( toll free ) or XXXX ( XXXX ) XXXX ; Write to us at Xoom Customer Service, XXXX XXXX XXXX, XXXX XXXX, CA XXXX or Write to us through the Contact Us page. Contact us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction on the statement or receipt. We must hear from you no later than 180 days from the date we promised to you that funds would be made available to the recipient, as provided in your receipt. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information ; Tell us the dollar amount of the suspected error ; and Tell us either : Your name, email address associated with your account or phone number ; or Each of the following : The transaction number ( we provide a transaction number on receipts, in statements and in your transaction history within your account ) ; and The recipient 's name, and if known, the telephone number or address of the recipient. For transaction you sent within the United States, or any transactions sent within or outside the United States that you think involve the unauthorized use of your Xoom account, we will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. For any transaction you sent outside the United States, other than unauthorized transactions as provided above, please see your User Agreement for more information regarding your rights in case of errors or questions about the transaction. Please do not reply to this email. We are unable to respond to inquiries sent to this address. For immediate answers to your questions, visit our Help Center. Xoom is a service of XXXX XXXX XXXX, a licensed provider of money transfer services. All money transmission is provided by XXXX XXXX XXXX pursuant to XXXX XXXX XXXX 's licenses. XXXX XXXX XXXX XXXX All rights reserved. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Information belongs to someone else

To Whom it may concern i did authorize any of the companies listed to run my credit i do not know of any of these companies.

Confusing or misleading advertising or marketing

I have been actively looking for vehicles on Carvana since XX/XX/2022 with the intentions on financing utilizing my consumer 's rights via consumer credit transactions. However, each and every option that Carvana has available requires a down payment ( violations of 15 USC 1601 and 15 USC 1662 ).

Other problem getting your report or credit score

EQUIFAX froze, blocked and/or locked my account without any reason. I never requested this. They refused to rectify that issue. They also completely blocked my credit score. I could not view any EQUIFAX reports or scores online. They blocked my credit score from XXXX XXXX XXXX where I was applying to refinance my mortgage, causing me to lose the rate promised on XXXX. I spent three hours a day for three days on the telephone with EQUIFAX attempting to fix my credit report and credit score. It is still not fixed. I can not see my credit score, XXXX XXXX XXXX can not see my credit score, which has prevented me from going forward with my home refinancing. Which is costing me a lot of money. They lie on the phone and say its fixed, but it is NOT. They disconnect calls, everytime I call them, because they do not want to help me. All other credit reporting agencies have complied and given XXXX XXXX XXXX my information. EQUIFAX is refusing with no reason or cause.

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Information belongs to someone else

Re : This is not a regular dispute. Take action immediately you are in violation. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX CC : Law Firm XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints 1. ) As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 2. ) Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FT C

Don't agree with the fees charged

I have a significant amount of student loans from law school which are now serviced through XXXX XXXX at myfedloan.org. I am on the IDR plan as I can not afford the minimum payments and I am required to recertify each year to stay on the IDR plan. I did so this year, filing the recertification on XXXX XXXX. On XXXX XXXX, I received a notice from XXXX saying I had not yet recertified and that while my loans would remain on an IBR plan, my new monthly payment would be more than double what I had been paying. I reached out to them and was told they could put me on a forbearance until the certification issue had been cleared up and that is what I did. Later on XXXX XXXX I was told that my IDR plan recertification was approved. I emailed again on XXXX XXXX asking for clarification as to what happened and notifying XXXX that throughout the summer, my minimum payments had been {$0.00} ( despite my IDR plan being recertified in XXXX ). I was told on XXXX XXXX that they did not receive my recertifcation on time, despite submitting it days before their notice that I ( erroneously ) had n't yet recertified and thus my partial financial hardship payment on the IBR Repayment plan expired and the unpaid interest was added to the principal balance ( through capitalization ) and that this was unable to be reversed! I was never told this was a possibility and I have never had this problem before in years of paying off loans. Now my monthly payments are approximately the amount they had been before, but my current principal balances have increased by a total of about {$15000.00}! Is there anything that can be done? I 'm already going to be paying these loans for the rest of my life!

Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX - XXXX WFDS XXXX XXXX XXXX - XXXX ( Orig Cred : XXXX XXXX ) - XXXX

Confusing or misleading advertising about the credit card

I am very sorry to have Home Depot Credit card. I will not buy anything from Home Depot period. They tell people no interest for 6 months or 12 months with out telling them if you can not pay in full during this period you will be charged interest for whole amount you borrowed regardless how much you paid. Just not for the remaining balance, Even you only owe XXXX cents. Their interest is also out of the world. I request everyone to file a complaint with Federal Trade Commission about this predatory and foreign policies. Thank you.

Information belongs to someone else

I have many times disputed two accounts and requested proof of debt. I have requested proof of debt from EQUIFAX and from creditors and neither can supply anything. EQUIFAX only send letters of confirmation. The disputed accounts are : XXXX XXXX and XXXX.

Their investigation did not fix an error on your report

I am a former XXXX XXXX student who s applications for borrower defense to loan repayment was approved in XXXX of XXXX. Under the court rulings and the secretary of education authority, all outstanding loans, paid off loans and negative reported account history should be forgiven erased, loans dismiss and/or reimbursed. All loans that were on my credit in XXXX were paid off after a payment settlement with the department of education, balance which was reimbursed to me a few months ago. Since the approval of my application I have been contacting the department of education, the different credit reporting agencies and the original loan provider ( XXXX XXXX ) attempting to have this loan accounts and negative, derogatory and inaccurate information from my credit reports. I have called each of the above places several times but each place deny being the people reporting this information. I can not find the company or department responsible for this information being on my file. I have disputed these items numerous times and they always remain on my credit and after I call all parties involved to see who is reporting this incorrect information attempting to have it removed all parties give me the same answer.. that they are not the ones reporting this information.

Account information incorrect

There are many mistakes appear in my report without my understanding.

Was not notified of investigation status or results

XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Didn't receive terms that were advertised

On XX/XX/XXXX I signed up for a checking account promotional offer that I was targeted for via snail mail from Citibank. The offer consisted of the following requirements : XXXX AA miles bonus when you open a Citi Priority Account Package and make {$750.00} in debit card purchases and pay one or more bills for two consecutive months. On XX/XX/XXXX I had completed all requirements which were two consecutive monthly bill pays to XXXX plus a {$750.00} debit card purchase. Because we're 3 months past the fulfillment of the requirements, I checked with Citibank via online chat what was the status of the bonus. I received the following from the chat rep in regards to my request to check on the status of my promotional offer being disbursed : " You are correct. {$750.00} was made within 60 days upon opening which is XX/XX/XXXX. Two consecutive months bill payments made 1 in XX/XX/XXXX and the last one is XX/XX/XXXX. XXXX at XXXX, XX/XX/XXXX : And it states that : XXXX at XXXX, XX/XX/XXXX : The AAdvantage bonus miles will be credited by Citibank to the AAdvantage account within XXXX calendar days from the date when the client completed all offer requirements. Bonus miles credited will be based on the consumer account package at the time of qualification. XXXX at XXXX, XX/XX/XXXX : This should be posted automatically by XXXX Thursday. '' On XXXX I received an email notification that I did not meet the requirements. The following language was Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$600.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : The required deposit balances were not met during the offer period My mailer offer was NOT for {$600.00}. It was for XXXX AA miles. The requirements were {$750.00} in debit purchases and two consecutive monthly bill pays. Citi may have a {$600.00} checking account offer that is worth {$600.00} bonus but this was not the offer that I received. I am seeking a resolution to this issue that Citibank is notorious for, not fulfilling offer promotional terms and conditions.

Investigation took more than 30 days

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.

Their investigation did not fix an error on your report

Their investigation results verified this account but did not provide the procedure of description on how they verified this account. Under 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) it clearly states A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency I am requesting the description of the procedure used to verify this account. Account name : XXXX XXXX

Their investigation did not fix an error on your report

I have been disputing inaccuracies on my credit report in regard to XXXX XXXXreporting inaccurate opening date and child support inconsistent reporting. I have seen all credit bureaus 5 rounds of disputes and there hasn't been any correction to the inaccuracies.

Information belongs to someone else

I have attached letters that show all errors or fraudulent accounts appearing on my credit.

Was not notified of investigation status or results

ON XX/XX/2021, i sent my first letter to EQUIFAX disputing the unauthorized inquiries that they are reporting on my credit report inaccurately. I didn't not allow anyone to pull my credit, in which i asked for documentation which i never received.I then send out my 2nd letter on XX/XX/2021, and they haven't responded to either one in which is a violation of the law. I am asking to resolved this matter with these unauthorized inquiries.

Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$90.00} XXXX XXXXXXXX Balance : {$31.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Information belongs to someone else

XXXX XXXX XXXX XXXX ALL FTC VIOLATIONS

Funds not handled or disbursed as instructed

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Fraud Claim # XXXX XXXX, I appreciate your timely response. This has been an absolute nightmare and inconvenience for my entire family. We are victims of check fraud and theft. Under penalty of perjury, I whole heartedly believe the information you have stated in your reply is inaccurate and the decision is incorrect. I kindly request this claim re-opened immediately. There are a number of incorrect statements in your reply I would like to address. Including ; the number of checks forged, the time frame the checks were lost, the police report, the information regarding the secondary investigation, and most importantly, the details of informing US Bank of my missing checks to begin with. I would like to start off by sharing that I recently, just this past month of XX/XX/XXXX, received a letter in the mail from US Bank notifying me of an overdrawn checking account. I was able to confirm US Bank charged me funds for a monthly checking account maintenance fee and accrued fines for not paying this monthly fee. I had closed my account after all this fraudulent activity and the poor customer service I received. So, why do I owe US Bank money now? Because someone at the branch made a mistake and did not close my account properly. I called the customer service line. The attendant was able to recognize the error and voided the funds I supposedly owed US Bank. This is another example of the many mistakes on the US Bank side regarding the care of my familys finical security. The mistakes of US Bank have cost me and my family time, money, stress and finical hardship. I would like you to take this opportunity to spend more time to evaluate this fraud claim, recognize the errors on US Banks part, take responsibility, ( maybe more training is required? ), and refund my familys losses. Regarding the details of informing US Bank of my missing checks - This is a significant point. I did in fact inform the bank of my missing checks. I did so immediately. If proper steps were taken at that time by the administrators at US Bank, none of this check fraud and theft would have happened at all. My actions in immediately notifying US Bank of lost checks is not the definition of Customer Negligence. Per the Uniform Commercial Code 3-406 I DID NOT fail to exercise ordinary care that contributed the altercation of the checks. I DID take responsibility to protect my account information. A check book went missing and I immediately informed my bank. At no time have I ever discussed or shared information about my account with anyone else. In XX/XX/XXXX, I had walked into a branch inside of a XXXX XXXX in XXXX near my work. I let the teller know of a lost check book. I wanted to make sure I wouldnt be confused in the future and potentially use checks that were ( or should have been - in this case ) cancelled. So, I ensured to request the new checks to be completely different. I specifically requested a new number series on the checks as well as a completely different style. The lost checks were pink and had a flower motif. My new checks are standard and blue. I wanted nothing to do with the lost checks and I made that very clear with the teller at that time. In the XXXX XXXX XXXX Report of Alleged Fraudulent Customer Statement I state : That I had asked US Bank to cancel the flower check book when I ordered the new checks in a new number series of 700. That would have been in XX/XX/XXXX. I confirmed that my check stock is normally stored in a specific locked drawer with other personal paperwork. No one else had access to the area. No one else had my user ID or password. I stated I had recently moved. I moved in XX/XX/XXXX. In an additional follow up faxed letter to the XXXX XXXX XXXX during this investigation - I state : that I had told the bank of the lost checks and was surprised this situation is even happening. Regarding the police report ; In XX/XX/XXXX I had to take time to travel to the Sherriff Station to have this report taken. I had to wait weeks for it to be prepared. Then, I had to pay a {$25.00} fee to receive a copy and include it with the XXXX XXXX XXXX Report of Alleged Fraudulent Customer Statement. These are not the actions of a negligent person. These are the actions of a responsible party having due diligence. The Sheriff Report states :. the victim did not give anybody permission to sign her name or withdraw money from my account. The victim does not recall when she lost the checks deposited checks, money from her account, she believes when she moved in XXXX she may have accidentally thrown the checks in the garbage. The name XXXX XXXX is printed on all three checks as the payee and it appears his name was used to endorse of all three checks. All three checks are completed using different writing style and signatures. When compared to the signature on the victims DL, all three checks appear to be signed by a different person. The victim has never know this XXXX XXXX Per Your response letter to me dated XX/XX/XXXX you state : during the investigation, and after reading the police report, it was determined that your checks were unsecured after they went missing at an unknown time, but you did indicate they may have gone missing around XX/XX/XXXX. We have included a copy of this report for your reference Thank you for the copy of the report I originally provided US Bank. Lets back track here and review your statement and take a better look at the material noted. My checks were reported missing to US Bank in XX/XX/XXXX. In the sheriff report I say I dont recall when they were lost. I dont. Thats what lost means. But, upon recognition I couldnt find them, I reported them as lost to US Bank immediately in XX/XX/XXXX. I moved in XX/XX/XXXX. In moving home locations and going through all of my personal belongings, I do not recall seeing the reported as lost pink flower check book. Although, if there was any time that this material could have gotten into the position of XXXX XXXX, I was guessing maybe during the move. But thankfully, like a responsible adult, I had already told US Bank months prior that those flower checks were lost. Stating to a Sherriff Deputy during a check fraud and forgery victim report that previously reported as lost checks may have found their way to the trash during a residential move months after the fact they had been reported as such does not constitute Customer Negligence and Customer Liability under the security section of the XXXX. My entire point is that I did in fact upon discovering that my checks were missing reported the loss to the bank immediately and would have prevented any fraudulent transactions from occurring. In your reply letter to me, you state there was a secondary investigation. When was there a secondary investigation of this case? I am not aware nor included in it. What date was that preformed? Is there an additional XXXX XXXX XXXX Report of Alleged Fraudulent Customer Statement made? I did not received a reply letter from the XXXX XXXX XXXX as I had with the first investigation that I was aware of. I requested a secondary investigation and was very rudely declined by XXXX XXXX. In my letter to the CFPB I state I did have back up and supporting documents with me at the time. I did. XXXX XXXX wanted nothing to do with me or the case. It is a shame you would ask me to provide even more additional information knowing that we are all aware the Banks accounting system shows every single time my bank account is accessed. It records dates, times, locations, the name of the bank associate that handled the transaction at the time, as well as notes they add. It is all in the system. Everything I have stated can be validated if someone was to take the time to do so. I implore you to please review my account. This decision to decline the forgery and check fraud and theft of my account was discretional. This was made by someone in the liaison center that misread the sheriff report and assumed I lost my checks when I moved in XXXX and did not validate anything else. You did the same thing in your reply letter. Someone made a poor decision. I would greatly appreciate if you would please review this case with more attention. Thank you for your time and assistance in this matter. I look forward to hearing from you. XXXX XXXX XXXX : I just called the US Bank XXXX to send this reply back to them - XXXX XXXX is not a listed person in their directory.

Account information incorrect

Complaint against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Equifax, and XXXX : Investigation by XXXX XXXX XXXX XXXX took more than 30 days from my opening of a direct dispute on XX/XX/XXXX. Investigation by XXXX XXXX XXXX XXXX took more than 30 days from XX/XX/XXXX, XXXX Credit bureaus did not update reports during these periods stating that the information was being disputed with XXXX perhaps XXXX violated FCRA by failing to contact the credit bureaus to inform them of these disputes. Credit reports were not provided to me during these periods. I was not notified timely of investigation status or results. I was not provided with any names of people contacted and other elements, etc. connected to these investigations per the FCRA 's definition and requirements of an investigation. Their investigation did not fix the many inaccuracies that I pointed out to them on my report, which they have inaccurately reported for years. Please see the emails from two XXXX executives and their remarks acknowledging the inaccuracies ; the timeframe ( longer than 30 days - months even ) that has passed and yet no removals have been made per FCRA. I've had difficulty submitting disputes or getting information about a dispute over the phone with credit bureaus. I realized during the summer of the pandemic that my XXXX credit card account had some serious inaccuracies and reporting issues. I then realized the reason for my credit denials and high interest rates for any credit that I could obtain since XXXX and high insurance premiums. For almost two years, I have disputed inaccuracies across the XXXX bureaus and directly with XXXX XXXX XXXX XXXX for my credit card account ending in XXXX. There have been instances where they suppressed my credit report so that I could not see the years in question whenever I pulled the reports, therefore I could not resubmit a dispute because there was no item listed to dispute. There are many violations per FCRA on this account due to it not being reported 100 % accurately. It has been happening for years and they willfully refuse to do anything about it. The bureaus have stated that they report the data that XXXX supplies to them. There have been times where there were different balances reporting at the XXXX bureaus and I had to dispute those to have them all updated. There have been different account statuses over the years where one would say " pays as agreed '' and another would say " Late over 30 days at least 6 times '' or " Current, was 90 days past due '' during the same reporting period. The date account opened and date account closed do not match on the 3 bureau reports either. Each time I have disputed the account with the bureaus and with XXXX directly, they send back the same response, that the account is reporting accurately. If the account is reporting 100 % accurately, why are all of the account statuses, date opened, date closed, amount of days late, amount of times late, etc. reported differently with all XXXX bureaus? I have submitted copies of my credit reports from the XXXX bureaus and a table showing the inaccuracies to the bureaus and XXXX and they still say that this is 100 % accurate and have willfully chosen to keep the information the same. My credit and opportunity for any new credit has been ruined due to this one account. In XX/XX/XXXX, I received a subprime auto loan due to these inaccuracies and the reporting of this account. I have had to pay astronomical interest for this car loan due to the inaccuracies and the way in which this account is reporting. I am certain that my car insurance rates were even higher due to this as well. XXXX has instructed the customer service representatives via notes in the system that they are to refer me to the executive team for this matter and they can no longer work on this case or give me updates as it is out of their hands on the lower level. Customer service reps have told me all that they see in the system is a note that says the items will be deleted, but there is nothing they can do because it is an escalated item. The thing is, none of the executives are available by phone ; they are avoidant, delay the process, dishonest, not engaging and not interested in resolving this matter. I have emailed the CEO of XXXX and he promised me that they would submit an Automated XXXX XXXX to the credit bureaus in XX/XX/XXXX to resolve the matter. It is XX/XX/XXXX and nothing has changed except the bureaus have made unauthorized alterations and modifications. I have been rerouted to another XXXX XXXX, XXXX XXXX and he is always out of the office, on another call, on vacation, or awaiting someone else in the department to give him an opinion when he is the decision maker. He told me over the phone that he could bring remedy to this when there were damages that were discovered. He clearly sees them via the credit reports and charts that I compiled and sent to him via email and the CEO does as well, but they refuse to resolve it and compensate me for the violations. Over the years, I have been denied credit by XXXX and other creditors because of this account. On XX/XX/XXXX, I called XXXX and Equifax because XXXX bank told me that they could not increase an existing tradeline for me because there was a note on the XXXX account stating that I was late. I was not late and had not been, and could not see that note on my personal consumer reports. Subsequently, XXXX Bank closed down the account which was in perfect standing with excellent payment history. On XX/XX/XXXX, XXXX denied me for a personal loan due to this account which is housed with them. However, they are always emailing and mailing me advertisements as if the opportunities are open to me. After several disputes and calls, and being told by XXXX and the 3 bureaus that the account was 100 % accurate I filed another dispute directly with XXXX via email to XXXX on XX/XX/XXXX. ( attachment ) I told them that they could not do a hard or soft pull on my credit to check the data, as they should have an accurate record and archive of what they have reported to the bureaus on file. Despite me sending an outline of the inaccuracies and violations attached to the email, on XX/XX/XXXX ( 45 days later ) I received a response letter via postal mail that said the account was accurate and they will continue to report it as-is. I'd compiled a chart to make it easier for them to see where the inaccuracies lie, hoping this would make the process go better and faster. If they were reporting 100 % accurately as they continue to state, why do each of the bureaus have different information and why does none of the information match for the months/years, statuses, and dates in question? ( response letter attachment ) Also, XXXX did not notify the bureaus that I was disputing the information that they continued to report during this time. I received no correspondence from the bureaus regarding the matter, and no copies of my credit report during this period. No notices were included, stating that I was disputing this information. In XX/XX/XXXX, I emailed the CEO of XXXX, XXXX XXXX. I explained the situation to him since no one else in the institution would budge and any supervisor who was in the credit department was always unavailable according to customer service. His response was boilerplate as well ; stating that they must report accurate information by law. That was my point exactly ; they were not following the law with all of those inaccuracies. He told me that they could not honor my request at the time and that they'd done a soft pull on my credit and saw no inconsistencies in reporting. I specifically wrote them via email in XX/XX/XXXX, and told them that they did not have my permission to do a hard or soft inquiry on my credit report, yet he claims that they did it anyway -- against my written instructions telling them not to. I filed another dispute with the bureaus and I received responses from them at the end of XX/XX/XXXX, stating the same ; the creditor says the information is accurate. ( credit reports attached ) I noticed that Equifax made modifications to the payment history after I disputed this time, yet they did not remove it from the file ; they reduced the amount of time on each occurrence as if they were doing me a favor, which is again, still inaccurate data! You will see on my chart and previous credit reports before the XX/XX/XXXX dispute results, that Equifax was reporting a certain amount of days prior to the XX/XX/XXXX dispute, and on the XX/XX/XXXX dispute results they modified the time under the " Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports. Still, none of the data matches what the other bureaus have for this account for those same months/years. I was confused as to why they did this. I called XXXX to follow up and continue to fight for my rights on XX/XX/XXXX. I spoke with XXXX. The Case # was XXXX. I was given the extension to the credit dispute department which I was told was XXXX at the time. XXXX XXXX emailed me back on XX/XX/XXXX and stated that on XX/XX/XXXX, the automated universal dataform was submitted to the bureaus. XXXX submitted an automated universal dataform to all XXXX bureaus to fix the matter. ( email thread attachment ) On or around XX/XX/XXXX, I called XXXX at XXXX XXXX. and after 47 minutes, the representative came back on the line and told me that they were awaiting a confirmation letter from the credit bureaus that the XXXX and XXXX items had been deleted from my report and that I'd receive a letter after that. This was 3 months after the CEO of XXXX told me in XXXX that it would only take 30 days for the process. When I contacted the bureaus, they said that they had not received anything from XXXX except normal data like my payment updates whenever I made monthly payments, and if they had received anything additional, they would have updated the account accordingly. XXXX reps have given me various case numbers over time after time including : XXXX ( XX/XX/XXXX ), XXXX ( XXXX XXXX, XXXX ), XXXX ( XX/XX/XXXX ). I received a letter in the mail dated XX/XX/XXXX stating that the new case that was opened by a XXXX representative was closed due to the issue already being completed, however I had no clue as to what issue had been completed! Nothing had been completed or resolved. I'd received no written correspondence or update from XXXX although the XXXX promised in XXXX that I would within 30 days from the date they'd submitted the AUD to the bureaus. After receiving the letter stating the issue had been resolved, on XX/XX/XXXX, I pulled my credit reports and XXXX was reporting 8 late payments, had changed all of the " number of days late '' data and reduced all instances to 30 days, changed the status to " Current, was past due 30 days six times or more '' and the status date was still XX/XX/XXXX, but the payment date for that month was reported as XX/XX/XXXX. XXXX deleted 4 of the inaccuracies and kept 4, and the status read as " Paid, or pays as agreed '' yet the number of days for the instances that they continued to report did not match XXXX 's data reporting or status. I am not certain what process they used to choose which 4 to delete and which 4 to keep. The year XXXX was suppressed on XXXX 's XX/XX/XXXX report and I could not view this data. The same thing for Equifax, 4 instances were deleted and 4 were kept and they were not the same month or amount of days that XXXX was reporting chose ; none of the account information matched. The year XXXX was also suppressed in this report. Both statuses read the same, " pays account as agreed '' and the status updated date was XX/XX/XXXX. After I expressed that I felt I was being discriminated against, Equifax and/or XXXX even removed the excellent payment history that I had on a XXXX Installment account that was opened in XX/XX/XXXX. When I called them and questioned why they'd removed my payment history from the XXXX installment account, they told me that XXXX could do it if they wanted to. To sum it up, XXXX and the XXXX bureaus did not notify me about these changes. I received no correspondences by mail, no copies of my credit reports, no communication whatsoever. I only knew because I monitor my reports on a consistent basis. The letter that I received on XX/XX/XXXX and these data changes prompted me to call XXXX the next day. On XX/XX/XXXX, I called XXXX and spoke with a representative regarding the letter that I'd received, which stated that the " issue '' had been resolved. I thought that they'd finally resolved the matter like they promised, but to my suprise my credit reports remained the same after this - not reporting 100 % accurate and with so many inaccuracies, violations, and modifications on this XXXX account. They told me I had to continue waiting and it was an XXXX issue now. On XX/XX/XXXX, I spoke with XXXX 's dispute department and they claimed that they would remove the late payment reporting due to the inaccuracies reporting on the account across the bureaus for XXXX and XXXX, and instead they deleted my entire account - erasing all of the excellent payment history, eliminating an account as well which decreased my credit score and history. On XX/XX/XXXX, I spoke with XXXX at or around XXXX XXXX, inquiring as to why they deleted the entire account as opposed to the inaccuracies only and they stated that I must submit a letter of verification that the XXXX account belongs to me and that it is accurate! They clearly never asked my permission to report it from the beginning, but now since I've asked them to right their wrong-doing, and challenged their modifications, lack of investigation and refusal to take my evidence as proof of the FCRA violations XXXX they punished me by deleting an account that I've worked so hard to maintain rather than just fix the inaccuracies. Here 's where XXXX 's major problem XXXX be. In XXXX, I recall XXXX offered me a " re-aging '' program. They told me that they would re-age the account and that re-aging would not hurt my credit. I have done that, but they did not tell the truth. I have paid this closed {$17000.00} tradeline account down to {$2200.00} in less than 4 years and they have done nothing but ruin my credit and my life since then, and the bureaus have helped them to keep this up by reporting the inaccuracies. They closed the tradeline, did not report the account 100 % accurately, denied me credit and other creditors denied me credit due to this account, and the notes and various statuses that they added to the account over the years. It has been over 6 months since the CEO of XXXX promised me that the AUD would go out to the bureaus to make this account 100 % accurate and that has not happened as the email thread will and credit reports will show. They have had well over a year to resolve the issue. Attached, you will see credit reports and a chart that show the side by side 3-bureau comparison of original data reporting and violations. You will also see email correspondences between XXXX departments/executives and me, and you will see current reports that show that they have not resolved this matter and the inaccuracies and FCRA violations are still there. When I have complained numerous times to XXXX and Equifax and opened disputes over the phone, I did not receive a credit report by mail or in any other form. Whenever I called to check the status, I was told that there was no dispute on file. They were using this method to start the 30-day process over again and delay time. I also noticed all of my disputes that have been filed online are missing from the online archives portal in my account. They suppressed my reports and I can only view 2 or 3 years which all show excellent payment history, but a creditor can view every year reported beyond those years and I can not ; nor can I dispute that information if it is not listed. I had to view the reports on XXXX which sometimes I'd get a message saying I could not view the reports at this time. I was finally able to submit a dispute and get a response in XX/XX/XXXX which I spoke of previously. Equifax now reports a status that says that I have XXXX late payments on myequifax.com, but when I scroll back through the years, all of the inaccuracies from XXXX are still there. When I pulled my current XX/XX/XXXX Equifax report from myannualcreditreport.com, I can see all of the inaccuracies are still reporting and do not match the other bureaus. Previously, they'd deleted 4 payments and kept 4 on the report. Now all 8 are showing again and still do not match the information reported by the other bureaus during this reporting period. Additionally, my XXXX installment account which had excellent payment history was wiped clean of all payment history. They deleted all of my payments and the installment account was never late, was paid off early in XXXX and had nothing to do with this situation. If they must report information accurately, how can they tamper with a positive account with excellent history that was paid and closed 5 years ago and has nothing to do with the situation ; yet refuse to fix the account that is being disputed and has inaccuracies? That is another violation of my rights and FCRA. I want to be compensated for those violations as well, for every payment that is missing from the XXXX installment account, which is dated from XX/XX/XXXX- XX/XX/XXXX. This was done intentionally after I mentioned discrimination over the phone. XXXX and XXXX are still reporting the payments, however some of them are missing as well when they were not before. XXXX remains the same, reporting inaccurate information. XXXX deleted the entire account based upon the credit reports and chart that I submitted for the second time, affecting my credit score because I lost an XXXX XXXX XXXX account and its history which affected my scoring calculations. All of the bureaus and XXXX have willfully violated the Fair Credit Reporting Act for years, have violated my rights, caused financial loss and detriment. I am still dealing with the effects of it to this day with a subprime auto loan and high insurance premium ; let 's not forget the numerous times I was denied credit opportunities when I, my family and business needed it.

Information belongs to someone else

I am a victim of identity theft and I have a security freeze and fraud alert on my credit reports along with an Identity theft Affidavit filed with the FTC - Report # XXXX and a police report report filed at the XXXX Police Department. Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Collection Agency : XXXX XXXX XXXX, XXXX

Problem with fees

Please refer to case number : XXXX for background. I was assaulted and had my wallet stolen. One of the thieves ran up charges on my Best Buy Citi Visa card. This is the worst credit card I've ever owned in my life, and I can not wait to dump it once this gets resolved. That month, I paid off more than my entire interest bearing balance less the fraudulent charges. I was assessed {$15.00} in interest that month, because the citi had not removed the fraudulent charges from my account. Because of that, I was carrying an interest bearing balance for the month. However, if you reduced the interest bearing amount by the fraudulent amount, then I actually paid more than what I owed for interest bearing purchases. Fast forward to today, I received a letter stating that they determined the charges were fraudulent and they refunded the fraudulent amount ; however, they never refunded the interest. The assault happened on XX/XX/XXXX. It is now XX/XX/XXXX, and after repeated calls and time wasted, the money is still not refunded.

Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine. 7. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine.

Information belongs to someone else

THESE ACCOUNTS LISTED ON MY REPORT ARE FROM A DATA BREACH MY INFORMATION WAS USED WITHOUT MY CONSENT.

Debt was already discharged in bankruptcy and is no longer owed

I call the number, and all numbers associated with this account and try to talk to someone, but my number is blocked. I never tried to contact them for any reason, till now. Loan Me company has been debting my account for seven years, its till leasted on my account as a charge off, but they have still been debting my account

Credit inquiries on your report that you don't recognize

As background, I authorized a fraud alert on XXXX, XXXX and XXXX on XX/XX/2019. On XX/XX/2019, I received notice that I had a hard inquiry against my XXXX report from XXXX XXXX, initiated on XX/XX/2019. I did not authorize this credit application. Upon contacting XXXX card service on XX/XX/2019 via phone, the department 1 ) did not demonstrate any evidence that they took measures to verify the identify of the individual trying to obtain credit under my name ; and 2 ) refused to resolve the matter. This is particularly frustrating, as I contacted the company immediately, prior to any issuance of a credit line. With XXXX ' lack of action, the fraudster could act on a credit line in my name before I can resolve the issue. I contacted XXXX on XX/XX/2019, who took additional measures to verify my identity, and then began its internal dispute process, which is ongoing. This complaint is against Sears, who ignored an existing fraud alert when it served the purpose of issuing credit and selling a product, but refused to aid a consumer when an identify conflict arose. This is unacceptable behavior in any context. Given that I am currently in the process of purchasing a home, and so can not freeze my credit to keep me safe, this is even more impactful.

Was not notified of investigation status or results

I have sent a letters disputing inaccurate information being reported by your agency on XX/XX/2021and XX/XX/2021. Both times I tried this matter cleared up but haven't had any success

Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 and XX/XX/2020 there were charges at XXXX XXXX XXXX XXXX AZ for {$310.00} and {$200.00} supposedly purchased with the chip. I called the fraud services and immediately received a new card and they began the resolution process. On XX/XX/2020 they charged back these charges to my account stating that there was no fraud. I called customer service and they said that I needed to submit documentation but would not tell me what type of documentation. I then found a receipt that I was at a doctors appointment in XXXX, California where I live the day of one of the charges. I faxed the information to US BANK. I then called to follow up and they said I needed to talk to a fraud specialist and they would call me within 24 hours. I have not heard from them and it has been over a week. They also stated it was not fraud because chip cards can not be duplicated.

Account status incorrect

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

Their investigation did not fix an error on your report

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you.

Received bad information about your loan

PRIVATE SALLIE MAE STUDENT LOAN This letter is in regards to a Private Student Loan with a Cosigner. Loan Amount - {$30000.00} Paid $ XXXX/ month for over 6 months and the loan went up to {$33000.00} In the past 3 months has gone from XXXX - XXXX An absolute burdon that was wrongfully forced on us. These statements have been clearly and verbally stated several times to each loan servicer. Major Immediate Grievance : Severe and Total Harassment of Cosigner to the point where cosigner suffered a XXXX on XX/XX/XXXX due to the XXXX from Sallie Mae 's harassment and FIDM 's fraud in signing and taking this loan. ( Document included ) She is suffering from major illness from this loan and the Loan Servicers continue to harass and call at work, and have called repeatedly and continuously. They have called at times when they knew they should not call ( late hours or during a doctors appointment ). They have repeatedly called work even though she has explicitly stated that her employer does NOT approve of these calls. They also harassed a 3rd party ( Co-worker ) about this alleged debt and used abusive language when talking to her. She has also expressed distress about the harassment and wishes to seek action. Due to this severe harassment and incessant nagging, I am concerned for health and well being! All the calls were recorded on Sallie Mae 's part and show how she is completely distraught, light headed, and having a XXXX XXXX on the phone. The doctors have stated that her XXXX is due to the XXXX from the burden of this loan and the harassment that she has been enduring. The financial information Sallie Mae claims to have is not correct. She has not been able to receive the imperative medical care she needs to survive because Sallie Mae has stated that the money on her credit card needs to be used to pay this student loan. And now after the XXXX the doctors are insisting she seek the help she needs ASAP. NATURE OF THE LOAN : ( FRAUD ) FIDM - Borrows Defense Against Repayment - Fraudulent School This loan is under a great deal of scrutiny due to the school this loan was for, FIDM in XXXX XXXX. A demand letter has been sent to the school in regards to the Borrowers Defense Against Repayment. FIDM is a for profit school that lied, deceived and outright illegally pushed us into taking this loan. I was supposed to receive a scholarship and was repeatedly reassured by the advisor, XXXX XXXX, that I had a very high chance of receiving the scholarship ; praying on my naiveness and financial need. I exhausted all options to get help interviewing for 2 XXXX positions with great qualifications to do it and they ignored me, denying me any help to pay for my tuition. I was then told about 2 weeks before classes were to begin that the results for that years scholarship were delayed for some unknown reason and that she would hate for such a fabulous student to miss out on being enrolled. Sending me to get approved for a private loan through Sallie Mae. XXXX XXXX called everyday to " check in '' and make sure I was working on getting my loan. ( Phone records can be retrieved if needed ; emails are available ). It seems the for profit school is working with private loan lenders to secure a win win situation for the two leaving students with an overpriced education and no jobs available in that field. FIDM and Sallie Mae are clearly taking advantage of students who come from lower income families by enticing them with false promises of a unique education and job opportunities upon graduation. The discrimination continued during my schooling with the most notable time being when my intellectual property and business design specs were stolen by a fashion line known to XXXX during a showing of my work. I was one of the top XXXX XXXX students with a XXXX and they lied about the jobs available upon graduation and the salaries available. This university is an abusive college that does not prepare you for a career in your field and completely and utterly works with private loan institutions. Financial and Medical situation of Student : 1. Unemployed for 2 years 2. Credit Card Debt 3. Homeless/on assistance 4. XXXX affected by school 's fraud and discrimination Financial and Medical Situation of Cosigner : 1. Suffered a XXXX XX/XX/XXXX due to harassment about this loan and delayed proper medical care due to payment of this loan 2. Credit card Debt 3. {$35000.00} Medical Bills left from terrible divorce, family member.. We have asked repeatedly for a copy of the original contract signed. Nothing has been received yet ... This loan should not have been given to this student and the school should not have pushed the student into taking out such a high interest private loan with no prospect of a job that could help pay this back with the degree. The amount Sallie Mae claims they want to settle this loan is not possible and they know that. It seems Sallie Mae is refusing to help make an affordable settlement so that the account compounds since it is an unlawfully high interest rate. By not working with us, by harassing us when we are picking up and talking to you created an unhealthy and permanently disabling situation.

Inadequate help over the phone

I received the attached letter from Eqifax dated XXXX/XXXX/2016. They stated " We have reviewed the inquiry information. The results are : This inquiry has been deleted. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX Phone : ( XXXX ) XXXX '' I called XXXX and they have to factual record as equifax likes to call it so they advised I call Equifax. Called equifax and the first agent told me lies. I got transfered to a superviosr who stated she could not pull up any of the letters which equifax sent me because they are not factual. She stated she would place me on hold and " research this '' she hung up on me. I called ack and got transferred to another sup. They stated they saw the letter but they cant do anything on there end regardless of what the letter states. I asked him then what was the point of thel etetr stating something would be done and it hasnt. He stated the info a previous agent provided was incorrect as they have NO way on disputing anything on their end. everything is done through the company. ore lies. The supervisors agent id : XXXX. If a company sends you a letter stating something will be done..then one would assume it would be done. I guess Eqifax is different. The date of the inquiry to be removed is XXXX XXXX, 2016. - XXXX XXXX XXXX, 2016

Problem canceling credit monitoring or identify theft protection service

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Account information incorrect

XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. Citi reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. I filed a dispute through XXXX and they removed ALL payment history but left the Negative reporting on XX/XX/XXXX. This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XXXX or XXXX and it should not be reporting negative. My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting on any months where there was no late payment made should be removed. I am attaching copy of my credit report for XXXX to show what I mean by negative payment history.

Investigation took more than 30 days

I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.

Their investigation did not fix an error on your report

I received a notice from my attorney in reference to XXXX Lawsuit. I reached out to XXXX in reference to this. I was told that it would be removed off my credit because of the fraudulent activities that XXXX XXXX XXXX has caused. This has been hindering me from moving forward in life and I've been investigating this for a long time now. XXXX XX/XX/XXXX {$3400.00} XXXX XX/XX/XXXX {$10000.00} & {$9000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$10000.00} XXXX XX/XX/XXXX {$5200.00} XXXX XX/XX/XXXX {$6700.00} XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$4500.00} XXXX XXXX. XXXX, XXXX {$1300.00} XXXX XXXX. XXXX, XXXX {$2400.00}

Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate